Your home insurance policy covers everything that you keep inside your home, even when it’s not inside your home. If your laptop is stolen from your car, for instance, your home insurance will likely cover it as long as it’s on the policy. So, generally speaking, anything you take to the office with you is going to be covered by most home insurance providers in Raleigh, NC.
That said, there are some things that you’ll need to keep in mind, here. Namely, if your possessions are not in your home, they will be covered as part of the "off-premises" coverage, which typically extends to 50% the limits of your standard home policy for possessions. This means that if you, say, forget your expensive watch in your desk at work one night and it’s lost in a break-in, you’re probably covered, depending on the value of the watch. But you don’t want to use your office as a storage facility for thousands of dollars worth of personal possessions. In other words, the office might not be the best hiding place for a big pile of expensive Christmas gifts.
To make sure that you’re covered, you need to keep an accurate inventory of your possessions, and you need to know what your limits are, and what your limits are for off-premises possessions so that you know exactly how much protection you have away from home.
If you’re still shopping around for home insurance in Raleigh, NC, get in touch with Young Insurance Associates Inc. At Young Insurance Associates Inc we can compare quotes and get you a good deal on a great policy, so call, stop by or get in touch through our website and let’s see what we can do for you.